Buying affordable car insurance for a Hyundai Santa Fe in Arizona is fairly simple, but it relies on a complicated rating formula that uses factors such as how many miles you drive each year, your credit score, and your choice of physical damage deductibles. Drivers pay approximately $1,013 a year for Santa Fe insurance, but that price is an estimate using a 30-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
Odds are that you aren’t exactly 30 years old or even a female, you might be married instead of single, or maybe you live in a different area as the quoted rates. This shows why the only real way to find the most affordable coverage for your Hyundai is to compare as many rates as you can.
Vehicle trim level will likely have an effect on the cost of insurance, so the price you pay to insure a Santa Fe GLS 2WD will be $122 less than the insurance cost for the higher-priced Santa Fe Limited 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Santa Fe GLS 2WD | $182 | $388 | $404 | $24 | $122 | $1,120 | $93 |
| Santa Fe GLS 4WD | $210 | $388 | $404 | $24 | $122 | $1,148 | $96 |
| Santa Fe SE 2WD | $210 | $388 | $404 | $24 | $122 | $1,148 | $96 |
| Santa Fe Limited 2WD | $210 | $456 | $404 | $24 | $122 | $1,216 | $101 |
| Santa Fe SE 4WD | $210 | $456 | $404 | $24 | $122 | $1,216 | $101 |
| Santa Fe Limited 4WD | $236 | $456 | $404 | $24 | $122 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in Phoenix location which can lower or raise price quotes greatly.
Ratings for Arizona auto insurance companies
Ending up with a good quality insurance provider can be a challenge considering how many choices there are in Phoenix. The company information in the lists below can help you choose which auto insurers you want to consider when trying to find the cheapest insurance for a Hyundai Santa Fe.
The ratings below are only comprised of companies that insure vehicles across America, so companies that only write business in Arizona or surrounding areas are not factored into these rankings. If you’d like to compare prices from the insurers below and more, click here.
Top 10 Large Auto Insurance Companies in Phoenix Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
How accidents and violations affect rates
In a perfect world, the best way to find affordable auto insurance rates in Arizona for a Santa Fe is to pay attention while driving and avoid accidents and traffic citations. The example below demonstrates how traffic citations and at-fault collisions can impact auto insurance rates for different age groups. The premiums are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of an auto insurance policy in Arizona per year with no accidents and a clean driving record is $1,998. Get two speeding tickets and the average cost increases to $2,651, an increase of $653 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Hyundai Santa Fe increases to an average of $5,004. That’s an increase of $3,006, or $250 per month, just for being a careless driver!
Last year’s bargain might be this year’s rip off
Phoenix auto insurance rates are impacted by many factors that will increase or decrease the price of your policy. Simply turning a year older, buying higher coverage limits, or having an accident can trigger price changes that may make certain companies more affordable than competitors. Also, car insurance companies change rates without warning as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can cause more expensive prices, while lower claim expenses can produce cheaper Santa Fe insurance rates.
To illustrate this point, the bar chart below analyzes the cheapest car insurance in Phoenix, AZ for a 45-year-old female driver with a clear driving record, no claims, and good credit. If we estimate prices based on her personal risk profile, The Hartford may offer the lowest car insurance rates in Phoenix at $1,180 each year. This is $248 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining cheapest Phoenix, AZ auto insurance companies.
In this example, we will give the driver from the first set of rates an accident surcharge, poor credit, and a few traffic violations. Because every insurance company has a unique formula for filing rates in each state, analyzing rates may now present a substantially altered list of affordable Phoenix car insurance companies as shown below.
Progressive now has the best car insurance rate in Phoenix, AZ with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual also having competitive pricing. This example illustrates why it is important to perform a complete rate comparison when trying to get the most budget-friendly insurance rates for a Hyundai Santa Fe. Auto insurance prices are determined by many risk factors and change substantially, so the most affordable company a year ago may now be an over-priced policy.
If you wish to get some help when comparing insurance rates for a Santa Fe, the professional agents shown below can probably help you determine which insurance coverage you need. To find a Phoenix insurance agency in your neighborhood, click the button after the list or click here to compare price quotes.
Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500
Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548
Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088
GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400
More insurance agents in Phoenix, AZ
How to find the cheapest auto insurance for a Hyundai Santa Fe
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help Phoenix drivers buy lower-cost auto insurance.
- Avoid filing excessive claims
- Buy a safer vehicle
- Be a cautious driver
- Having at-fault accidents will increase rates
- Good credit can mean cheaper rates
- Compare rates regularly and switch companies to save money
The last item on the list is extremely crucial, as we hit on in the prior article. Insurance rates can be modified anytime, so don’t be unwilling to switch carriers if you can save money. Sticking with a specific company is fine, but we do not recommend it if it’s costing you lots of money. In just a few minutes you could compare rates and find cheaper auto insurance for a Hyundai Santa Fe in Phoenix.